The study looked at how the amount of money banks have and how big they are affect the number of loans that are not being paid back in Indonesian public banks. They used data from Bank Indonesia and found that having more money in the bank makes it more likely for loans to not be paid back, while bigger banks and having more money saved up compared to loans make it less likely for loans to not be paid back. The study suggests that there may be other factors influencing this, so more research is needed.